Mortgage Services
Bad credit and complex-file mortgages in NS, NB & PEI
A low credit score isn't the end of the conversation — it's the start of a different one. Maybe you went through a rough patch, missed some payments, declared bankruptcy, or got into a consumer proposal. Maybe your income is unusual, or your file just doesn't fit a bank's checkbox. None of that means you can't get a mortgage. It means you need a broker who knows the lenders who actually look at the whole picture. That's the work Rahul has been doing for 10 years.
Who this is for
- Credit score below 650
- Past bankruptcy (discharged or pending)
- In or recently out of a consumer proposal
- Multiple late payments or collections on file
- Non-standard income or complex employment
- Declined by a bank or another broker
The two roads (and why both end in a mortgage)
Road 1 — Place the file now with a B-lender or private lender
We have a wide network of “B” lenders (TD Auto, MCAP, First National's specialty programs, Equitable Bank, Home Trust, and others) and private lenders who specialize in credit-challenged files. Rates are higher — typically 1-3% above prime A-lender rates — and there's sometimes a lender fee or broker fee. But they get you in the house now. We're transparent about all costs up front.
Road 2 — Set you up to qualify with an A-lender in 12-24 months
Sometimes the smartest move is to wait, rebuild credit, and qualify with an A-lender. Rahul will tell you when this is the better call. We'll lay out exactly what to pay down, what to leave alone, and how to clean up your credit report so you can get the best possible rate next year.
Most clients combine both: place the file now to stop renting, refinance to A-lender pricing 2-3 years later.
Credit & Financial Strategy
Credit Improvement Consulting
- Credit Rebuilding Plans — a step-by-step roadmap covering which accounts to open, pay down, or leave alone over the next 6-18 months.
- Mortgage Readiness Coaching — monthly check-ins to track score progress, file changes, and timing for the eventual A-lender application.
- Collection Resolution Guidance — practical advice on which collections to settle, dispute, or wait out so they stop dragging your file down.
- Credit Utilization Optimization — exact balance targets per card to lift your score the fastest before lenders pull your bureau.
Debt Strategy Planning
- Debt Restructuring — consolidate high-interest debts into one manageable payment, often through a refinance or B-lender mortgage.
- Cash Flow Planning — map monthly inflows and outflows so you stop bleeding to interest and start building equity again.
- Interest Cost Reduction — replace 20%+ credit card debt with mortgage-rate financing and save thousands a year.
- Equity Leverage Strategies — use the equity you already have to clean up the rest of your financial picture without overextending.
Most clients with bruised credit can be back at A-lender pricing within 18-24 months with the right plan. We build that plan with you.
How Rahul handles your file
- 1Real conversation about what happened — no judgment. We just need to understand the file.
- 2Pull credit and look at the whole picture — debts, payment history, current income, down payment.
- 3Recommend Road 1 or Road 2 — honest take. Sometimes it's worth waiting.
- 4Place the file — at the right lender, with proper packaging.
- 5Plan the refinance — set a calendar reminder for when you should switch back to A-lender pricing.
What you'll need
- Photo ID
- Consent to pull credit
- Current pay stubs / income documentation
- Discharge papers (if past bankruptcy)
- Consumer proposal status (if applicable)
- 90-day history of your down payment
A real client's story
“I came out of a consumer proposal in 2024. Two banks laughed me out. Rahul listened, ran my numbers, and placed me with an alternative lender at 8.4%. Two years later we refinanced to a prime lender at 5.1%. He never made me feel embarrassed about my history.”
FAQ
Ready to start?
A 15-minute call. No pressure. We'll be straight with you about what's possible and what makes sense.